Fat experiences

Thaynor:
I think it was when my stomach became less and less ball-shaped, as I was losing muscle mass as I was growing fatter and fatter, and more begun to sag over my waist. It definitely leads to a lot more bounce than I used to have back when I was simply chubby.

becomingoverweight:
That's not due to losing muscle mass. That's either due to losing visceral fat or gaining a lot of subcutaneous fat.

Thaynor:
Sorry for being dense and stupid, but what's the difference between visceral fat and subcutaneous fat?

becomingoverweight:
Cosmetically speaking, visceral fat is the kind of fat which makes the belly protrude. It deposits around the internal organs underneath the abdominal muscles. Excesses of it look like pot bellies and beer/ball bellies. Visceral fat also makes the belly harder since it's underneath a layer of muscle.

Subcutaneous fat is the soft, jiggly fat which deposits directly under the skin all over the body.

They both have very different effects on health in excess amounts. Excess subcutaneous fat is rather harmless and benign while excess visceral fat is pretty bad. I can go into more detail if you wish.